This new technology is here to give another choice to investors. It is no different to what happened to the real estate business with people having the ability to sell their own property with out a Realtor using an online service to help them to do it. "Robo-advisors" is another avenue to help investors with their finances. I recently spoke with Antonio from For Sale Direct he told me his service will never replace a Realtor it is simply another tool Real-estate buyers or seller can use. In the financial industry things are changing advisors need to adapt to the change. Technology is here to say we need to embrace it and incorporate it into our industry.